I ordered a work from home product - they immediately charged my debit card $197 but I never rec'd anything from the company - I sent email after email asking for a refund and never got an answer. I contacted my credit union and they reversed the charge but now, months later - have re-reversed it stating that it was a valid charge. I don't understand how it can be when you search Angela Pembrook and Pembrook Promotions on the internet and all you see is that she/they are a scam...how can it be that comsumers get taken like this - how is it fair that visa states they cannot do anything about it?